Assegurança Professionals is a life insurance policy that pays out a daily allowance for the period in which you are unable to work due to sickness or an accident requiring medical assistance. 

You can take out this insurance policy if you are a business owner, a professional or self-employed worker and pay contributions to the Andorran social security system (CASS). Its main features are described below:

  • It will help you cover your expenses if you are unable to work due to an illness or accident.
  • There are no restrictions regarding the number of times you are on sick leave.
  • Excess period of only 15 days.
  • Flexibility and swiftness in receiving compensation.
  • The maximum benefit period is 12 months of income supplement.

Crèdit Andorrà’s insurance products are underwritten by CA Vida Assegurances, SA

  • Compensation based on your business’s revenue. From 30 euros per day up to 120 euros per day.
  • Complementary reimbursement cover of up to 90% of your net salary reported to CASS.
  • In the event of maternity leave, the monthly benefit is 600 euros for a period of up to 4 months.
  • In the event of death of total and permanent disability, the insurance policy pays a fixed compensation amount of 1,000 times the daily compensation specified under the policy (e.g. 60 euros x 1,000 = 60,000 euros).
  • 10 months for maternity treatments.